Trustly is hiring a
Senior Underwriter

Summary

The job is for an Underwriting position within the Trustly Americas team. The role involves evaluating merchant applications, reviewing financial statements, analyzing complex corporate structures, and conducting periodic reviews for existing merchants. The ideal candidate should have a Bachelor's Degree in Accounting, Finance, Economics or related discipline, solid credit fundamentals, familiarity with commercial credit underwriting and Know Your Customer (KYC) requirements in North America, strong independent decision-making capabilities, and good Microsoft Office skills.

Requirements

• High level of English proficiency both in oral and written communication
• Bachelor’s Degree in Accounting, Finance, Economics or related discipline required
• Solid credit fundamentals in a commercial environment
• Familiarity with commercial credit underwriting and Know Your Customer (KYC) requirements in North America
• Strong independent decision-making capabilities
• Must be detail oriented, and able to manage and prioritize multiple tasks independently
• Strong Microsoft Office skills

Responsibilities

• Evaluate merchant applications and supporting documentation to assess Merchant’s credit and reputational risk
• Review financial statements and/or business tax returns and performs analysis to recommend merchant’s risk ratings
• Analyze complex corporate structures, beneficial ownership and licensing requirements, coordinating with the Compliance and Legal teams as needed
• Review industry information and comparisons, key risks and mitigants to form a general risk overview of merchants
• Summarize analysis in concise credit memo and complete all required underwriting checklists
• Underwrite according to applicable regulations, procedures, and guidelines
• Conduct periodic reviews for existing merchants to facilitate ongoing risk monitoring and management
• Maintain productivity standard goals as established by management
• Assist the Commercial team with customer calls for larger merchants requiring explanation of specific credit risks, internal credit policies and/or underwriting decisions

Preferred Qualifications

• Experience underwriting complex multinational corporations a plus
• Salesforce knowledge is a plus

Benefits

• Bradesco health and dental plan, for you and your dependents, with no co-payment cost
• Life insurance with differentiated coverage
• Meal voucher and supermarket voucher
• Home Office Allowance
• Wellhub - Platform that gives access to spaces for physical activities and online classes
• Trustly Club - Discount at educational institutions and partner stores
• Monthly happy hours with iFood coupon
• English Program - Online group classes with a private teacher
• Extended maternity and paternity leave
• Birthday Off
• Flexible hours/Home Office - our culture is remote-first! You can work in every city in Brazil
• Welcome Kit - We work with Apple equipment (Macbook Pro, iPhone) and we send many more treats! Spoiler alert: Equipment can be purchased by you according to internal criteria!
• Annual premium - As a member of our team, you are eligible to receive an annual bonus, at the company's discretion, based on the achievement of our KPIs and individual performance
• Referral Program - If you refer a candidate and we hire the person, you will receive a reward for that!